Pegadaian

Pegadaian, officially PT Pegadaian (Persero), is a state-owned financial services company in Indonesia. It provides pawnshop services (gadai) and other financial products aimed at financial inclusion, serving individuals who may lack access to formal banking. The company is owned by the Indonesian government and operates under the supervision of the Ministry of State-Owned Enterprises, with a nationwide network of branches and partners and digital platforms.

Its core service is secured lending through pawn loans backed by collateral such as gold jewelry, or other valuable assets. Beyond pawn services, Pegadaian offers microfinance products, savings and investment services, and bullion trading and gold loans. In recent years it has expanded digital offerings to enable online loan applications, e-wallet integration, and digital gold purchasing, aligning with government financial inclusion targets and financial technology development.

Pegadaian operates as a Perseroan Terbatas (Persero) under Indonesian law, and its governance includes a board of commissioners and directors appointed by the government. The organization's mandate emphasizes social function, financial inclusion, and prudent risk management, balancing customer access with collateral-based lending risk. The company plays a significant role in nationwide credit access, especially for small traders, informal workers, and rural communities, complementing commercial banks and other microfinance institutions.